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-   -   Insurance covering psychologist (https://www.englishforum.ch/insurance/207922-insurance-covering-psychologist.html)

zzzlaf 06.05.2014 21:57

Insurance covering psychologist
 
Hi all,
I am a student who will be in Zurich over the summer. I have depression, but it seems that most plans don't cover psychologist/therapy treatment. I will not be affiliated with the university. Does anyone know of specific plans that will cover therapy, or where I can have access to free/reduced-price therapy?

Sbrinz 06.05.2014 22:33

Re: Insurance covering psychologist
 
When you are registered and living here, all Swiss insurance companies have to provide the same basic cover,
so you only need to look for the best and cheapest company.
I recommend the Visana HMO policy.

There is a certain amount of psychological treatment in the basic service, and I would expect that routine visits and medicines are covered.

More info here, https://en.comparis.ch/krankenkassen...q/default.aspx

and Swiss laws in German, http://www.admin.ch/opc/de/classifie...073/index.html

Guest 07.05.2014 00:46

Re: Insurance covering psychologist
 
An interesting question. I suppose like all medical treatment- maybe it is only covered if doctors deem that you need a psychologist? Just like any other treatment- not sure.

Good luck.

John_H 07.05.2014 09:53

Re: Insurance covering psychologist
 
I guess it depends what kind of therapy you want covered and if it's included in the basic plan or extras.

As an example, I went to my doctor complaining that sometimes, for no apparent reason I got pins and needles, flushes, palpitations etc etc. After various tests the doctor decided it was stress or anxiety or similar and I should go see a psychologist.

Anyways - completely covered by my basic insurance (of course after I paid the franchise). It's not hugely expensive either, if you really had to go it alone.

Check the insurance, it is likely covered, might just depend how you do it exactly.

Guest 07.05.2014 10:21

Re: Insurance covering psychologist
 
Quote:

Originally Posted by zzzlaf (Post 2148457)
Hi all,
I am a student who will be in Zurich over the summer. I have depression, but it seems that most plans don't cover psychologist/therapy treatment. I will not be affiliated with the university. Does anyone know of specific plans that will cover therapy, or where I can have access to free/reduced-price therapy?

Any treatment that your doctor deems necessary will be covered. The exact terms of your insurance will determine whether you can go direct to a psychiatrist or if you'll need a GP referral, but a psychologist who isn't a doctor will need a prescription from your doctor, just as would a physiotherapist or similar.

Vlh22 07.05.2014 12:28

Re: Insurance covering psychologist
 
I have been told (by my psychiatrist) that it depends what kind of psychologist you want to see.

If you go to see a psychologist who is practising on a private basis, then basic insurance won't cover it.

If, on the other hand, you go to see a psychologist who is practising under the supervision of a psychiatrist, then basic insurance will cover it.

For example, I attend a large centre which provides both psychiatric and psychologist care. Both are covered by insurance because the psychologists are overseen by psychiatrists.

Just a word of advice (which is clearly advertised in the my centre) - mental health services of any kind are very expensive, so make sure you take out insurance with the lowest franchise (deductible), even though the premiums will be higher. I pay between CHF 200 and CHF 300 per week. If I had a franchise of, say, CHF 2,500, I'd have to pay all of that out of my own pocket before the insurance kicked in. But as I have the lowest franchise (CHF 300 with Assura), I only have to pay for one or two visits in full and then pay the 10% of each bill after that.


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